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Your Personal Bank with Ferenc Toth

Your Personal Bank with Ferenc Toth

By: Your Personal Bank with Ferenc Toth
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If you want to live like the wealthy, you need to think like the wealthy. Join Ferenc Toth each week for the Your Personal Bank™ Show, Saturdays at 10:00AM. Your Personal Bank™ is a powerful financial tool typically only shared with the ultra-wealthy by the financial industry. Learn how to gain control of your money . . . create tax-favored income . . . and access more funds over your lifetime. It’s the Your Personal Bank™ Show . . . the show that can change your financial life. Call 866-268-4422 for more information.

 Economics
Episodes
  • FHA Provided Zero Down Mortgages to Non-Citizens During the Biden Administration

    FHA Provided Zero Down Mortgages to Non-Citizens During the Biden Administration
    May 18 2026
    The Federal Housing Administration (FHA) recently disclosed that they provided zero down mortgages to H-1B visa holders and other non-citizens during the Biden administration. The Trump administration shut this down in June 2025. FHA used programs designed to help low income US citizens purchase a home. Hard working Americans were getting screwed twice. 1. US taxpayers were funding homes for non-citizens. 2. US citizens were competing to purchase homes at a disadvantage. a. The non-citizen did not have to contribute a down payment to purchase a home. b. The citizen had to contribute a 10-20% down payment typically to purchase the same home. This drove up housing prices, particularly in areas with high numbers of H-1B visa holders. One of the best index (growth) annuity products has become available in my 27 year career! - Multiple indexes with 9-11% average annual return indexes the past 10 -20 years. - No downside market risk. Principle is guaranteed. - Once gains are locked in, gains are also guaranteed against market loss. - Can lock in gains at any time. - A+ rated company. Contact Ferenc for more info: ferenc@yourpersonalbank.com yourpersonalbank.com 866-268-4422

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    54 mins
  • The S&P 500 Hit a New All-Time High. What is Happening with the Economy?

    The S&P 500 Hit a New All-Time High. What is Happening with the Economy?
    May 11 2026
    The S&P 500 has increased about 16% in the past month to a new all-time high. The earnings have been strong. The recent unemployment numbers are phenomenal! The economy is showing signs of strength, yet significant volatility remains. Nearly every market measurement is at extreme high levels. Risk is highest at extreme levels. Berkshire Hathaway cash is at an all-time high and has sold stock the past 8 quarters in a row. Oil prices have swung down and back up about 10% in hours recently from news in the Middle East. 60 - 80% of Americans cannot afford the median house in their state. Personal savings rates are the lowest levels since 2008. The auto loan crisis continues to increase. About 30% of car buyers who traded in their cars had negative equity. US Dollar offshore deposits have hit an all-time high. International demand for the US Dollar remains strong. The US Dollar as the world reserve currency is strong and strengthening further. Long-term bond yields remain high and are likely to continue due to historic federal government debt. This creates an opportunity. This is the "Golden Era" of fixed assets. This is the best time in 40+ years to consider an Index (Growth) Annuity, Index Universal Life (IUL), or Dividend-Paying Life policy.

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    54 mins
  • US Supreme Court Decision will Massively Change the US House of Representatives

    US Supreme Court Decision will Massively Change the US House of Representatives
    May 4 2026
    The US Supreme Court ruled that states can no longer use race to draw congressional districts. 20-30 house seats are represented by districts drawn to represent minorities. The court ruled this violated the Equal Protection Clause and the civil rights of the majority of voters. Democrats have benefited for decades with these congressional districts. This is a massive change in political power that will likely benefit the Republicans for decades. The Virginia Supreme Court stopped the new district map that would have likely changed Virginia's house representation from 6 democrats and 5 republicans to 10 democrats and 1 republican. Virginia is a purple state. They had a very popular republican governor a few months ago. Kamala Harris won Virginia by about 5% in 2024. The ballot initiative barely passed. 51% of voters would have disenfranchised 49% of voters. Florida recently passed a redistrict effort that will likely increase republican representation by about 4 seats. Florida's redistricting would have off-set Virginia. Millions have moved to Florida since the last Census. Florida had a reason to redistrict other than purely political power, unlike Virginia. Both parties gerrymander. The democrats have been far more aggressive for decades. The 6 New England states average 42% republican voters. Due to gerrymandering, New England has zero Republican House representatives. New England Republicans have no representation in the US House of Representatives. LINK: Annuities Improve Outcomes Paper - JP Morgan

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    54 mins
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